Home contents insurance
The things inside your house, garage and shed insured against damage.
Buying a house is an exciting and fun time. But it is also a time when you have a great many things to take care of. Just think about a mortgage, the notary, the transfer as well as your insurances. For example, which insurances are mandatory when buying a house? Which ones are important? And what else should you think about?
Your mortgage lender often requires you to take out home insurance when you buy a house. If you're buying a flat, check whether you need a home insurance at all. Home insurance provides cover for damage to your house, garage or shed caused by storm or fire, for example
This insurance makes sure your surviving relatives aren’t left with financial worries about things like your home or mortgage. Term life insurance is not always compulsory.
Replacing your furniture and belongings after theft, fire or storm is often more expensive than you think. With a home contents insurance, you will be reimbursed for the cost of repair or replacement in such situations.
If you’re moving to an apartment, check whether your owners’ association has insured the windows in your home. If they haven’t, you can include the windows in your insurance with us.
Liability insurance is not compulsory, but it is very important. Liability insurance provides cover for you and your family members for damage to others and their belongings. For example, because you have damaged something belonging to someone else. Or because someone suffers personal injury because of you.
Many people do not think about a legal expenses insurance when buying a house. Which makes sense, because you don't naturally assume you are going to have a conflict. Nevertheless, it may be useful to take out a legal expenses insurance with the Consumer and Living module if you are buying a house. This, for example, insures you against a dispute with your neighbours over a fence. Or a dispute with your contractor over the remodelling of your house.
It is important that you have already taken out this insurance before a conflict arises.
Working from home is covered, provided the risk of damage does not increase. If you or your family member use your home or outbuilding for business purposes, this prevents you taking out home insurance in certain cases. For example, if you have a practice space at home, such as a beauty salon. Or if you receive clients at home. Any questions? We are happy to help. Please do not hesitate to contact us. Does this apply to you? In some cases, you can take out business insurance for this.
